You have a pretty rational opinion of the albums as they represent almost everything you've described.
Golden Heart was a first solo effort from MK, after many ups and downs, after a devastating On Every Street tour, it was Mark trying to reinvent himself. The album was recorded all other the world, from Nashville to Dublin and London, I'm pretty sure the songs were also compiled from the scope of Mark's own junkyard as he calls it. "Rüdiger", for instance, was written at least 15 years prior to the recording. So a bit of inconsistency should be expected, though the songs are strong as ever.
Privateering, released 10 years ago, was a pinnacle of Mark's partnership with Chuck Ainlay, and a pinnacle of this formula when the albums seemed to be more and more of the same thing, which is no surprise since from 2007 Mark recorded exclusively in his own recording studio, British Grove Studios. Since then more and more effort has seemingly gone into the sonic qualities of the music.
Tracker represents the departure of Chuck Ainlay and Guy Fletcher stepping in as Mark's main co-producer, and this reinventing of the formula continues to this day. I'm "famously" not a fan of it, I would prefer Mark working with Chuck till the end of the world, but I guess he believes his music needed a bit of a refreshing take. Which is fair and works, no doubt about it, just not my cup of tea.